摘要在经济的不断发展下，消费成为了拉动我国经济增长的第三架马车。尤其是在我国互联网的不断发展下，网络消费、第三方支付成为新的经济增长点。为了获取更多的利益，越来越多的商业银行、互联网公司开始涉及互联网金融背景下的金融服务。例如，我国知名的互联网公司阿里巴巴集团推出了蚂蚁花呗服务；京东推出了京东白条服务。在这些消费信贷业务的开展下，也存在着许多的问题。本文以蚂蚁花呗为例，使用实证研究的方法探讨了互联网金融背景下，对大学生使用蚂蚁花呗消费信贷服务的(一)使用原因的研究(二)消费领域的研究(三)使用额度的研究(四)偿还方式的研究(五)还款情况的研究(六)对消费信贷产品的了解情况。通过对调查数据的分析，提出了相应的问题，并提出了相关的对策及建议。关键词：金融背景；消费信贷；实证研究AbstractUnder the continuous development of the economy, consumption has become the third carriage that will drive China's economic growth. Especially in the continuous development of China's Internet, online consumption and third-party payment have become new economic growth points. In order to obtain more benefits, more and more commercial banks and Internet companies have begun to deal with financial services in the context of Internet finance. For example, Alibaba Group, a well-known Internet company in China, launched the ant credit pay service; Jingdong launched the Jingdong white strip service. Under the development of these consumer credit businesses, there are also many problems. This paper takes ant credit pay service as an example, and uses empirical research to explore the reasons for the use of ant credit pay service in the context of internet finance. (1) Research on the reasons for use (2) Research in the field of consumption (3) Research on the amount of use (4) Research on the method of repayment (5) Research on repayment status (6) Understanding of consumer credit products. Through the analysis of the survey data,...
